moneymanagement.orgCredit Counseling, Debt Management & Consolidation | MMI

Credit Counseling, Debt Management & Consolidation | MMI Skip to Content Log in Log out Blog Locations Español Contact Us 866-889-9347 Expert Solutions Budget Guides Improving Lives About MMI Services Partnerships I need help... Repaying credit card debt Establishing a budget Avoiding home foreclosure Repaying student loans Buying a home Understanding my credit report Filing for bankruptcy Understanding reverse mortgages Recovering from a disaster Finding financial education classes Most Need Help With Credit Card Debt Fortunately we can help take away the pain and uncertainty of overwhelming debt. LEARN MORE I want to learn how to... Create a budget Earn extra money with a side hustle Get ready to buy a home Save money on groceries Save on car insurance Find affordable medications Get rid of cable television Save on home insurance Reduce cellphone costs Rebuild my credit Create a DIY DMP Consolidate my debts Combine finances after marriage Latest Guide How to Earn Extra Money in the Gig Economy Find a side hustle and boost your income. Read More Find inspiration in their stories A retired couple avoids losing their home after a pair of unexpected setbacks A military mom changes her family's financial future A teacher refuses to lose hope An entrepreneur repays nearly 100k in debt A wildfire survivor rebuilds and forges ahead A retiree escapes 50 years of debt A hardworking single mom finds the key to stabilizing her finances A couple save themselves after years of financial mismanagement Featured Blog Post Best Apps for Finding Side Gigs and Earning Cash Need to balance your budget with some extra income? These side hustle apps are a great place to start looking. Browse recent blog posts Learn about our mission, values, and more Our History Our Story Our Leadership MMI in the Media Speakers Bureau Annual Report Privacy & Security Careers at MMI At MMI, we strive to change how America overcomes financial challenges; one person, one experience, one solution at a time. Read More Learn more about our nonprofit services Credit Counseling Debt Management Housing Counseling Student Loan Counseling Bankruptcy Counseling Credit Report Review Disaster Recovery Counseling Financial Webinars Most Popular Service Debt Management Plans Consolidation without a loan. Discover the benefits of this budget-friendly debt repayment option. Learn More How MMI can serve your unique community Post-disaster financial recovery programs Tailored partnership opportunities Financial wellness programs for organizations of all sizes Featured Partnership MMI and the Military See how MMI helps military service members and their families reconnect and find financial security. Read More × Blog Locations Español Expert Solutions Repaying credit card debt Establishing a budget Avoiding home foreclosure Repaying student loans Buying a home Understanding my credit report Filing for bankruptcy Understanding reverse mortgages Recovering from a disaster Finding financial education classes Budget Guides Create a budget Earn extra money with a side hustle Get ready to buy a home Save money on groceries Save on car insurance Find affordable medications Get rid of cable television Save on home insurance Reduce cellphone costs Rebuild my credit Create a DIY DMP Consolidate my debts Combine finances after marriage Improving Lives A retired couple avoids losing their home after a pair of unexpected setbacks A military mom changes her family's financial future A teacher refuses to lose hope An entrepreneur repays nearly 100k in debt A wildfire survivor rebuilds and forges ahead A retiree escapes 50 years of debt A hardworking single mom finds the key to stabilizing her finances A couple save themselves after years of financial mismanagement About MMI Our History Our Story Our Leadership MMI in the Media Speakers Bureau Annual Report Privacy & Security Careers at MMI Services Credit Counseling Debt Management Housing Counseling Student Loan Counseling Bankruptcy Counseling Credit Report Review Disaster Recovery Counseling Financial Webinars Partnerships Post-disaster financial recovery programs Tailored partnership opportunities Financial wellness programs for organizations of all sizes Contact Us Log in Log out × × Overcome debt Inspiring solutions that work Overwhelmed? We help people just like you repay debt, balance their budget and find financial peace of mind. GET STARTED Change your budget Not your life Saving money doesn't have to be painful or disruptive. Let us show you how to maximize savings with minimal effort. READ MORE Ends don't meet? Try free credit counseling Nonprofit credit counseling can be the key to creating stability and finding the breathing room in your budget. Learn More Foreclosure? You have options Our housing experts can help you find the best solution to your housing concerns. Learn More Changing How America Overcomes Financial Challenges What's your challenge? At MMI, we specialize in providing nonprofit solutions to everyday financial challenges. Our success is your prosperity. We offer a range of financial education and counseling services to tackle the most common setbacks consumers face today. Where do you need help? Repaying Credit Card Debt We offer tools and expertise to help make debt repayment pain-free. Get Started Balancing income and expenses Empowering advice and resources to make life affordable. Get Started Avoiding Home Foreclosure Facing foreclosure? You have options, but you need to act fast. Get Started Buying a Home Teaching new homebuyers how to juggle their new responsibilities. Get Started Filing for Bankruptcy Convenient tools to help you complete the filing process. Get Started Understanding your credit report One-on-one credit report reviews with tips and advice for improvement. GET STARTED Understanding Reverse Mortgages Key information about this potential income source for seniors. Get Started Managing Student Loans Don't let your student loans overwhelm you. We can help. Get Started Recovering from a natural disaster Supporting your journey to post-disaster financial recovery. Get Started Real people, ready to help Asking for help is hard. No one wants to feel judged. At MMI we believe strongly in providing empathetic expertise. After all, we've all been there before. So no matter what challenge you're facing, you will always receive the same care and attention. Confidential Your participation in any of our services is always confidential and won't be reported to any third party (including creditors and credit bureaus) without your permission. Compassionate We're passionate about helping, because we all know what it feels like to need help. Expect to always be treated with kindness and compassion. Professional We love what we do, but we take our work and your trust seriously. We pride ourselves on our expertise and professionalism. Get started View all services Teresa, an MMI counselor Frequently Asked Questions If you've got questions, don't hesitate to ask! Here are a few of our most commonly asked questions. To submit questions online, click the "Contact Us" button at the top of the page. Can you help me repair my credit? Can you help me repair my credit? MMI is not a credit repair service. We offer advice and educational materials to help you build a positive credit history. Following this advice may result in a significant improvement in your credit score over time. Is there a cost to use your services? Is there a cost to use your services? Most counseling and education is provided at no cost. We have a few select low-cost services and there are fees associated with using our debt management plan. However, you may be eligible for reduced or waived fees. Ask your counselor for more details. How long does counseling take? How long does counseling take? We offer a variety of financial counseling services. The length of the session will vary depending on the issues being addressed, but most typically last between 45 and 90 ...